The Role of Fintech in Transforming Financial Services for Indian Start-Ups

  • Authors

    • Dr. Gaurav Kumar Department of Management & Commerce, Sandip University, Madhubani, Bihar
    • N S V N Raju Faculty of Management, Sharda University, Uzbekistan
    • V.Gowri Lakshmi Department of Finance, GITAM School of Business, GITAM Deemed to be University
    • Suneetha vemuri Department of Management Studies, Aditya University, Andhra Pradesh
    • Jagdish Mohan Rao Assistant Professor, Department of Commerce, Koneru Lakshmaiah Educational Foundation, Vaddeswarm, Guntur, Andhra Pradesh
    • Robert Edwin Chestor Associate Professor, Department of Commerce, Koneru Lakshmaiah Educational Foundation, Vaddeswarm, Guntur, Andhra Pradesh
    https://doi.org/10.14419/5b2zxp23

    Received date: May 12, 2025

    Accepted date: June 22, 2025

    Published date: September 14, 2025

  • Fintech adoption, Indian start-ups, financial inclusion, Digital innovation

  • Abstract

    This study examines the transformative impact of fintech on the financial services landscape for Indian start-ups, highlighting the role of digital innovation in redefining traditional financial models. By evaluating how fintech enhances financial inclusion and provides start-ups with accessible, efficient, and cost-effective solutions, the research sheds light on the unique challenges faced by start-ups, including high collateral requirements and stringent credit assessments. Utilizing a mixed-methods approach, the study combines quantitative analysis through a structured Likert scale questionnaire administered to start-up founders, employees, and financial professionals, with qualitative insights from a comprehensive literature review. The findings reveal significant benefits of fintech adoption, such as improved accessibility and reduced operational costs, particularly among younger, educated professionals in tech-centric industries. However, the study also highlights the trade-offs associated with fintech integration, including cybersecurity and regulatory risks. These insights underscore the need for targeted educational initiatives, robust regulatory frameworks, and enhanced trust-building measures to support the sustainable growth of fintech in the Indian start-up ecosystem.

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  • How to Cite

    Kumar , D. G. ., Raju , N. S. V. N. ., Lakshmi , V. ., vemuri , S. ., Rao , J. M. ., & Chestor , R. E. . (2025). The Role of Fintech in Transforming Financial Services for Indian Start-Ups. International Journal of Accounting and Economics Studies, 12(5), 608-616. https://doi.org/10.14419/5b2zxp23